G.A.P.
Johnstown, PA · Federal Credit Union · Chartered in PA
Who can join
Community — open geographic area
Members
6,429
Net Worth Ratio
13.29%
min. 7% = Well Capitalized
Credit unions are exempt from CRA. The Community Reinvestment Act applies only to FDIC-insured banks and thrifts. Credit unions are regulated by NCUA and evaluated under a separate safety and soundness framework.
At a Glance
Total Assets
$78.6M
Peer Group 4
Members
6,429
as of latest quarter
Net Worth Ratio
13.29%
Well Capitalized
Institution Profile
NCUAWebsite
Phone
Address
Chartered
Branch Locations
Membership Eligibility
Financial Snapshot
Total Assets
$78.6M
Total Shares
$67.9M
Total Loans
$37.2M
Net Income
$253K
Net Worth Ratio
13.29%
≥7% = Well Capitalized
Members
6,429
Return on Assets
0.32%
annualized · >0.5% healthy
Delinquency Rate (60d+)
0.76%
$282K
Loan-to-share ratio: 54.9%· healthy range 60–80%
Branch Locations
NCUADowntown
111 Franklin St Rm 224, Johnstown, PA, 15901
M-F 8:00 to 4:30 except clses at 3:30 on Tuesday
Richland
194 Donald Ln Ste 3, Johnstown, PA, 15904-2840
M-W-F 9:00 to 5:15 Tues 9:00 to 3:30 & Thurs 9:00 to 6:00
Bird Cage Branch
1342 William Penn Ave, Johnstown, PA, 15906
Mon & Wed 10:30 to 1:00 Student Branch
Altoona VA Hospital
2907 Pleasant Valley Blvd Rm 9, Altoona, PA, 16602
8:00 to 4:00 M, W, TH & F8:00 to 3:30 Tues
New Stanton
111 S Center Ave Ste 2, New Stanton, PA, 15672-9807
9 to 4:30 M, W, Th, F9 to 3:30 T
Forest Hills High School
535 Locust Street, Sidman, PA, 15955
3 days a week Tues, Wed, Thur 11-2 during school year
Mortgage Lending (HMDA)
Credit unions that originate mortgages report Home Mortgage Disclosure Act (HMDA) data to the CFPB. This data covers application volumes, approvals, denials, and borrower demographics.
Consumer Complaints
No CFPB complaint data available for this credit union.
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<a href="https://bankscorer.com/credit-union/g-a-p" target="_blank" rel="noopener">View G.A.P. on Bank Scorer</a>Data sourced from NCUA 5300 Call Report and branch data. Updated quarterly.